Will my insurance go up even if the accident is not my fault?

Your insurance premiums may increase in 2 ways after an non-fault accident.

First, if you choose to claim directly through your insurance rather than working with an accident management company when the accident was not your fault, you may get a big increase when you renew. This is due to the pending claim against your policy.

The accident claim is not yet done. Your policy could still become liable for the accident and you’ll need to pay this increase to keep your policy.

After your claim ends, you’ll be officially certified as the not-at-fault driver. Your policy will mark the accident as non-fault. Yet, some insurers view non-fault accidents as risky. So, they might raise your premium.